Client Toolkit
Resources and tools to help you with your mortgage journey
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Essential Documents for Your Mortgage Application
To speed up your mortgage application process, please prepare the following documents:
- Proof of income (pay stubs, T4, notice of assessment)
- Employment verification letter
- Bank statements (last 3 months)
- Photo ID (driver's license or passport)
- Down payment confirmation
- Federal and Quebec family allowances (if you have children)
- Child support document (if you receive or pay child support)
Self-Employed
- Federal and provincial notices of assessment for the last 2 years
- T1 General (Tax Returns) for the last 2 years
Rental Property Owner
- Municipal and school tax account for the property owned
- Mortgage statement from the bank where the property is financed
- Copy of current leases/lease renewal letter or Form T776 in your tax return
Having these documents ready will help us process your application faster and more efficiently.
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Frequently Asked Questions
How much down payment do I need?
For properties under $500,000, the minimum down payment is 5%. For properties between $500,000 and $1 million, it's 5% on the first $500,000 and 10% on the remaining amount. For properties over $1 million, you need at least 20%.
What is mortgage pre-approval?
Pre-approval is a preliminary evaluation that determines how much you can borrow. It gives you a clear budget and shows sellers you're a serious buyer.
How long does the mortgage process take?
Typically, the process takes 2-4 weeks from application to approval, depending on document availability and property type.
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Ready to Get Started?
I'm here to guide you through every step of your mortgage journey. Whether you have questions about these tools or need personalized advice, don't hesitate to reach out.
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Find a Real Estate Broker
A real estate broker guides you through the buying or selling process, helping you find the right property and negotiate the best terms.
Use Centris to find a qualified real estate broker in your area.
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Find a Building Inspector
A building inspector examines the property to identify potential issues before you buy, giving you peace of mind about your investment.
Use the Association des inspecteurs en bâtiment du Québec (AIBQ) official directory to find a certified building inspector.
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Home Insurance
Home insurance is mandatory for mortgage financing because it protects both you and the lender against potential property damage. Without this coverage, you could lose your investment and still owe the full mortgage amount in case of fire, flood, or other disasters.
Contact me for more information if you want to be accompanied by professionals in this field. I have a network available to support you.
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Life & Disability Insurance
Life and disability insurance protects your family and ensures your mortgage payments continue even if you can't work due to illness, injury, or death. Lenders often require this coverage to guarantee loan repayment and protect your loved ones from losing the home during difficult times.
Contact me for more information if you want to be accompanied by professionals in this field. I have a network available to support you.
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Find a Notary
A notary is essential for finalizing your real estate transaction. They ensure all legal documents are in order and protect your interests throughout the process.
Use the Chambre des notaires du Québec's official directory to find a qualified notary in your area.
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Prepare Your Move
A well-organized move starts with good planning. Access our complete moving checklist to ensure you don't forget anything.
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Moving
Need help moving? Work with professionals. Evaluate the cost of each one with a click.
Change of Address
Informing the right organizations of your change of address is essential to ensure continuity of your services and avoid administrative complications. A well-planned change of address helps you avoid missing important documents and ensures a smooth transition to your new home.
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Credit Bureau Correction
Your credit report affects your ability to get loans, credit cards, and even rent an apartment. Errors on your credit report can unfairly lower your credit score and prevent you from accessing the financing you need.
Alex LegaultMortgage broker
Groupe hypothécaire Orbis – Shawinigan, QC
Contact
French, English
1250, bureau 1-204, Avenue de la Station, Shawinigan, Québec, G9N 1W8